Reverse mortgages are often misunderstood — but they can be a powerful tool for homeowners 62 and older who want to secure financial stability in retirement. In this episode, Kevin Mathews and guest expert Brad B. Byrnes unpack how reverse mortgages really work, what protections are in place for borrowers, and how this strategy can help seniors maintain independence, fund long-term care, or “right size” into a more suitable home.

You’ll learn:

• How the reverse mortgage line of credit grows over time
• Ways to use home equity for long-term care and aging in place
• Why counseling and FHA safeguards protect today’s borrowers
• How reverse purchases increase flexibility and buying power in retirement

If you’re planning for retirement—or helping a loved one explore housing and care options—this episode offers clear, practical insight into one of the most misunderstood financial tools available.

🎧 Listen now to understand how reverse mortgages can support smarter, more flexible retirement planning.

#ReverseMortgage #RetirementPlanning #FinancialEducation #HomeEquity #SeniorFinance #AgingInPlace #RetirementStrategy #WealthPlanning

Want to learn how real estate investors legally avoid capital gains taxes and maximize tax savings? In this episode, Kevin Mathews sits down with CPA and tax expert George Graziano to break down powerful real estate tax strategies every investor should know.

We cover:
✅ What a 1031 Exchange is and how it lets you defer capital gains taxes
✅ Rules for 45-day identification & 180-day closing deadlines
✅ Passive vs. active losses — and how to write them off
✅ Real Estate Professional Status and how it unlocks bigger deductions
✅ Tax implications of short-term rentals (Airbnb/VRBO)
✅ Vacation homes & mixed-use tax rules
✅ Common tax mistakes real estate investors make
✅ Updates from the latest tax bill that may impact you

Whether you’re buying rental properties, considering an exchange, or running an Airbnb, this episode gives you the insights to reduce your tax bill and keep more of your real estate profits.

📍 Guest: George Graziano, CPA – Tax Plan Pros | Auburn, CA
Email at: george@taxplanpros.biz
Call: (530) 830-1590

🎙️ Host: Kevin Mathews
Email at: kevinmathews@empirehomeloans.com
Call: (530) 401-3703
https://www.kevinmathews.com

Empire Home Loans Inc. NMLS #234253 & 1839243
DRE #00884691 & 02086593

Equal Housing Opportunity. Equal Housing Lender. Refer to www.nmlsconsumeraccess.org to see additional licensing information. The corporate office address is 4401 Hazel Ave., Ste. 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc. supports equal housing opportunity.

In this episode of Home and Finance Insights, host Kevin Mathews sits down with CPA George Graziano of Tax Plan Pros (Auburn, CA) to explore how homeownership impacts your income taxes.
With decades of experience in tax planning and preparation, George shares valuable insights into the tax benefits of owning a home, including mortgage interest deductions, general federal rules, and how California tax laws differ from federal regulations. Whether you're a new homeowner or planning your financial future, this episode will help you better understand the tax implications of one of the biggest investments you'll make.
👉 Topics Covered:
Mortgage interest deduction basics


Who qualifies for key tax benefits


Federal vs. California tax rules


Why personalized tax planning matters


🔔 Subscribe for more expert insights on homeownership, personal finance, and tax strategies.
📍 Guest: George Graziano, CPA – Tax Plan Pros | Auburn, CA
Email at: george@taxplanpros.biz
Call: (530) 830-1590
🎙️ Host: Kevin Mathews
Email at: kevinmathews@empirehomeloans.com
Call: (530) 401-3703
https://www.kevinmathews.com

Empire Home Loans Inc. NMLS #234253 & 1839243
DRE #00884691 & 02086593
Equal Housing Opportunity. Equal Housing Lender. Refer to www.nmlsconsumeraccess.org to see additional licensing information. The corporate office address is 4401 Hazel Ave., Ste. 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc. supports equal housing opportunity.